Los Angeles, CA · Charter 64826
NCUA · 3 branches
Q1 2023
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2023, the quarter ended March 31, 2023, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Los Angeles, CA · Charter 64826
NCUA · 3 branches
Q1 2023
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q2 2021 | Q3 2021 | Q4 2021 | Q1 2022 | Q2 2022 | Q3 2022 | Q4 2022 | Q1 2023 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.42% | 0.43% | 0.55% | 0.81% | 0.89% | 0.84% | 0.98% | 0.50% | -31 bps | |
| Return on Equity | 4.80% | 4.86% | 6.14% | 8.65% | 9.00% | 8.31% | 9.10% | 4.33% | -433 bps | |
| Net Interest Margin | 3.88% | 3.98% | 3.95% | 4.04% | 4.20% | 4.36% | 4.62% | 5.56% | +151 bps | |
| Efficiency Ratio | 84.86% | 85.73% | 82.91% | 84.21% | 82.39% | 81.57% | 78.61% | 81.12% | -309 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 12.72% | 12.84% | 10.28% | 2.94% | -3.25% | -3.71% | -8.35% | -11.54% | -1,448 bps | |
| Loan Growth (YoY) | -1.12% | 3.57% | 2.90% | 1.89% | -1.32% | -1.97% | 0.09% | 2.38% | +49 bps | |
| Share Growth (YoY) | 14.67% | 13.10% | 10.33% | 1.88% | -4.88% | -4.94% | -11.08% | -12.48% | -1,436 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.04% | 0.28% | 0.18% | 0.40% | 0.64% | 0.66% | 0.56% | 0.43% | +2 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.05% | 1.01% | 1.03% | 0.92% | 0.74% | 0.79% | 0.86% | 0.00% | -92 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 8.78% | 8.94% | 8.96% | 9.30% | 9.88% | 10.16% | 10.76% | 11.48% | +218 bps | |
| Net Worth / Assets | 8.78% | 8.94% | 8.96% | 9.30% | 9.88% | 10.16% | 10.76% | 11.48% | +218 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 75.20% | 76.95% | 74.81% | 75.71% | 78.02% | 79.36% | 84.21% | 88.57% | +1,286 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |